Title: Member claims of unusual abilities with LendingClub
Post by: Joleran on November 10, 2013, 11:00:00 PM
Post by: Joleran on November 10, 2013, 11:00:00 PM
As a community, it is important to be known as a source of direct truth over vague rumor. Getting an edge and keeping one's methods secret in a competitive environment can be important, but lying should really be beneath us.
I've noted many claims by various members over a number of posts, and I want to direct attention to these claims. Are these claims fanciful imagination or attempts at manipulation, or have the posters found API hooks not commonly known, used social engineering on phone support, or otherwise bypassed restrictions that the rest of us must live by?
Rather than enumerate the claims I've seen immediately, I'd like to ask if any community members want to stand up and acknowledge the presence of such abilities (of course without disclosing the specific methods).
I've noted many claims by various members over a number of posts, and I want to direct attention to these claims. Are these claims fanciful imagination or attempts at manipulation, or have the posters found API hooks not commonly known, used social engineering on phone support, or otherwise bypassed restrictions that the rest of us must live by?
Rather than enumerate the claims I've seen immediately, I'd like to ask if any community members want to stand up and acknowledge the presence of such abilities (of course without disclosing the specific methods).
Title: Member claims of unusual abilities with LendingClub
Post by: mo on November 10, 2013, 11:00:00 PM
Post by: mo on November 10, 2013, 11:00:00 PM
I think you are going to have to be more specific. Because I have been reading these boards regularly for the better part of the past year and I have no idea what you are taking about. Also appealing for, "direct truth over vague rumor" and then being vague yourself isn't exactly walking the walk.
Title: Member claims of unusual abilities with LendingClub
Post by: core on November 10, 2013, 11:00:00 PM
Post by: core on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: New Jersey Guy on November 10, 2013, 11:00:00 PM
Post by: New Jersey Guy on November 10, 2013, 11:00:00 PM
I gotta agree with Mo.
Besides DanB being accused of being a LC spy and drinking cheap Scotch, I'm not aware of any subterfuge.
Like Core said, though, you can blame him. We do.
Besides DanB being accused of being a LC spy and drinking cheap Scotch, I'm not aware of any subterfuge.
Like Core said, though, you can blame him. We do.
Title: Member claims of unusual abilities with LendingClub
Post by: DanB on November 10, 2013, 11:00:00 PM
Post by: DanB on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Are we going to talk about "little green men" and black helicopters in this thread? Maybe some Russians? I participate in other forums and a lot of these conspiracy guys are going to get a major kick out of this. Problem is I need to know if this is going to be entertaining enough.
Joleran- Please let us know ahead of time if you are about to go off the deep end. Or if you have already done so. Please don't take any weapons to SFO and shoot up the place -- they've had enough trouble this month. I hear the LAX controllers need some spice in their life.
Joleran- Please let us know ahead of time if you are about to go off the deep end. Or if you have already done so. Please don't take any weapons to SFO and shoot up the place -- they've had enough trouble this month. I hear the LAX controllers need some spice in their life.
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
OK, fine. Two things you implied recently core are what brought about this post, and though I have other things to talk about perhaps they'd be a good starting point.
1. The ability to transfer notes in the Processing state between accounts under current rules. I'm thinking this would involve setting your names to be the same on the accounts and then just requesting reassignment of notes between "your" accounts? Seems weird.
2. The ability to post notes in the Processing state under the current environment. I don't see how this can happen without some sort of hack.
1. The ability to transfer notes in the Processing state between accounts under current rules. I'm thinking this would involve setting your names to be the same on the accounts and then just requesting reassignment of notes between "your" accounts? Seems weird.
2. The ability to post notes in the Processing state under the current environment. I don't see how this can happen without some sort of hack.
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
I'll consider explaining it to you if you rename the topic and remove all references to the word "h@cking". It's not fair to LC, it's not fair to Peter.
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
I understand that hacking can be a charged word, but it's been used colloquially in a great many ways in recent years to the point that it no longer means intrusive privilege escalation in popular culture. It has literally only been used in the title, but I've changed it to "unusual abilities".
I don't really want it explained to me, but I want to call attention to the notion that these are not good methods because they detract from the community.
Imagine if anyone could trade notes without any Folio fees - third party sites facilitating this service would take over and soon LC would put a stop to it. It's an unfair advantage to be able to bypass the fees and may incur uncompensated costs to LC they would not otherwise bear.
Similarly, being able to post notes that are processing (and actually close on them) isn't something that someone can accomplish by doing their homework - it's specifically disallowed now.
I don't really want it explained to me, but I want to call attention to the notion that these are not good methods because they detract from the community.
Imagine if anyone could trade notes without any Folio fees - third party sites facilitating this service would take over and soon LC would put a stop to it. It's an unfair advantage to be able to bypass the fees and may incur uncompensated costs to LC they would not otherwise bear.
Similarly, being able to post notes that are processing (and actually close on them) isn't something that someone can accomplish by doing their homework - it's specifically disallowed now.
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Okie doke, I think "h@cking" is a ridiculous term for this and it's unfortunate that Google will index it as such. You have refused to change the title. I understand that.
And then you say you don't even want an explanation. Fair enough too. So you were just trying to cause trouble all along. Nothing wrong with that. Unfortunately that leaves us with nothing to talk about. I guess that means you can go back to whatever it was that you were doing before you got this great idea to start this thread. (From the bottom of a bottle or a pipe, perhaps?). And after further thought, if you want to shoot up SFO that's OK with me too. I think they're a bit more prepared for nutcases (right now) than LAX, anyway.
[EDIT: Ok I take some of this back as I see you have changed the subject....]
And then you say you don't even want an explanation. Fair enough too. So you were just trying to cause trouble all along. Nothing wrong with that. Unfortunately that leaves us with nothing to talk about. I guess that means you can go back to whatever it was that you were doing before you got this great idea to start this thread. (From the bottom of a bottle or a pipe, perhaps?). And after further thought, if you want to shoot up SFO that's OK with me too. I think they're a bit more prepared for nutcases (right now) than LAX, anyway.
[EDIT: Ok I take some of this back as I see you have changed the subject....]
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
I actually edited it after consideration, but before your last post.
Another ability I heard about was the ability to get detailed public record information, such as if it was a tax lien or a bankruptcy, and the amount. This could be accomplished with data mining perhaps, and would LC even have this information stored?
Another ability I heard about was the ability to get detailed public record information, such as if it was a tax lien or a bankruptcy, and the amount. This could be accomplished with data mining perhaps, and would LC even have this information stored?
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Joleran.............Initially I thought that you weren't serious, but now I'm thinking you actually might be serious, which makes this whole thing pretty funny. Did you not read what Core has written under his photo? Combine that with what was previously written & doesn't that give you a general idea of what the mindset is? Now you seriously want to counter that mindset with a plea for "community"? Seriously?
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Usually I got to pay for this type of entertainment!
Guys. Try not to let this go past 11:30 PM EST. I got to get up early tomorrow.
Guys. Try not to let this go past 11:30 PM EST. I got to get up early tomorrow.
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
It should be noted for the record that I have engaged Joleran in a series of PMs. I would encourage anyone flying out of SFO tonight to cancel their trips or choose another departure airport, preferrably in class C or D airspace. 
Title: Member claims of unusual abilities with LendingClub
Post by: Joleran on November 10, 2013, 11:00:00 PM
Post by: Joleran on November 10, 2013, 11:00:00 PM
Core, I don't believe you about the secret Alt-F4 key combination to re-enable posting processing notes, and your interpretation of public domain laws is way off. It remains to be seen if I can really claim allodial title to my LC notes, but I may give that a try.
Title: Member claims of unusual abilities with LendingClub
Post by: core on November 10, 2013, 11:00:00 PM
Post by: core on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: New Jersey Guy on November 10, 2013, 11:00:00 PM
Post by: New Jersey Guy on November 10, 2013, 11:00:00 PM
I don't find this fair to the community that you two took this to private messaging.
I would like my money back, please!
I would like my money back, please!
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: DanB on November 10, 2013, 11:00:00 PM
Post by: DanB on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Everyone..............Money money money. What a bunch of greedy f****. Remember, money is just something you need in case you don't die tomorrow (Wall Street 1987). Considering some of the "elevated" ages around here, I just don't see the endgame. None of you are ever going to be "poor", don't you get it yet?
Who says I eat dead animals? I am from a blue state remember. My apologies Core, I didn't know you were creating a sanctuary for all creatures great & small.............with the gains you extract from other p2p investors.
Who says I eat dead animals? I am from a blue state remember. My apologies Core, I didn't know you were creating a sanctuary for all creatures great & small.............with the gains you extract from other p2p investors.
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Seriously guys! No exaggeration. I'm actually sitting here wiping away the tears from laughing so hard.
Okay, I don't want my money back!
Okay, I don't want my money back!
Title: Member claims of unusual abilities with LendingClub
Post by: jinglander on November 10, 2013, 11:00:00 PM
Post by: jinglander on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Post by: TravelingPennies on November 10, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 11, 2013, 11:00:00 PM
Post by: TravelingPennies on November 11, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: Bohb Daishi on November 11, 2013, 11:00:00 PM
Post by: Bohb Daishi on November 11, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: storm on November 11, 2013, 11:00:00 PM
Post by: storm on November 11, 2013, 11:00:00 PM
This forum has a handy ignore feature here: http://www.lendacademy.com/forum/index.php?action=profile;area=lists;sa=ignore
It makes this forum much more informative and productive for me, and it's best not to feed the trolls and their already over-inflated egos.
It makes this forum much more informative and productive for me, and it's best not to feed the trolls and their already over-inflated egos.
Title: Member claims of unusual abilities with LendingClub
Post by: DanB on November 11, 2013, 11:00:00 PM
Post by: DanB on November 11, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: rawraw on November 11, 2013, 11:00:00 PM
Post by: rawraw on November 11, 2013, 11:00:00 PM
Core, I'd be interested in hearing what you've discovered if you ever feel like sharing. I've always admired the creativity some programmers have.
Title: Member claims of unusual abilities with LendingClub
Post by: Joleran on November 11, 2013, 11:00:00 PM
Post by: Joleran on November 11, 2013, 11:00:00 PM
Core did reveal his mighty secret in PM's, and that secret can hold no longer. Lending club's restrictions are entirely on the front-end client GUI side, so if you use a program or website to sell notes there are no checks against posting notes. So core didn't have to do anything different to keep posting his processing notes.
Is this simple incompetence or a nod toward those with third party tools being the way of the future?
Is this simple incompetence or a nod toward those with third party tools being the way of the future?
Title: Member claims of unusual abilities with LendingClub
Post by: 99greenballoons on November 11, 2013, 11:00:00 PM
Post by: 99greenballoons on November 11, 2013, 11:00:00 PM
Probably isn't incompetence, merely a business decision. Client-side validation will settle it for 95% of users, looks nicer, and is often implemented more quickly.
You already research loan statistics and borrower trends to squeeze in an extra couple percentage points with finely-tuned filters. If you think using a "third party tool" (of which several are freely available that I think will suffice here) will be enough to squeeze in a couple more percentage points, then maybe it's worth your time to do a bit of technology research too? It's not any more complicated, really. Almost certainly less so.
You already research loan statistics and borrower trends to squeeze in an extra couple percentage points with finely-tuned filters. If you think using a "third party tool" (of which several are freely available that I think will suffice here) will be enough to squeeze in a couple more percentage points, then maybe it's worth your time to do a bit of technology research too? It's not any more complicated, really. Almost certainly less so.
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 11, 2013, 11:00:00 PM
Post by: TravelingPennies on November 11, 2013, 11:00:00 PM
All I know it's going to be very helpful for posting those fake processing notes that are on payment plans and not actually processing. Sucks for people who aren't aware of the posting tools.
Title: Member claims of unusual abilities with LendingClub
Post by: rlv99 on November 11, 2013, 11:00:00 PM
Post by: rlv99 on November 11, 2013, 11:00:00 PM
Considering some of the "elevated" ages around here, I just don't see the endgame. None of you are ever going to be "poor", don't you get it yet?
What does "poor" have to do with anything, Dan? Making money, for some, is the "endgame" in itself. Lord knows, there are plenty of people who some may judge as poor who have no intention of making money themselves, but feel justified in accepting money that is earned by others. Being in a blue state must have corroded your long term thinking! BTW, let our "community" know what happens today at LC. Isn't the 11th floor
where Stephanie is caged?
For the low fee of $5/mo, you will receive a picture of your deer promptly each month 4 business days aftert the 1st. Unless there's a holiday in there or "payment procesing delay".
Hey, core, if I subscribe do I get naming rights?
What does "poor" have to do with anything, Dan? Making money, for some, is the "endgame" in itself. Lord knows, there are plenty of people who some may judge as poor who have no intention of making money themselves, but feel justified in accepting money that is earned by others. Being in a blue state must have corroded your long term thinking! BTW, let our "community" know what happens today at LC. Isn't the 11th floor
where Stephanie is caged?
For the low fee of $5/mo, you will receive a picture of your deer promptly each month 4 business days aftert the 1st. Unless there's a holiday in there or "payment procesing delay".
Hey, core, if I subscribe do I get naming rights?
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 11, 2013, 11:00:00 PM
Post by: TravelingPennies on November 11, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: Peter on November 11, 2013, 11:00:00 PM
Post by: Peter on November 11, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 12, 2013, 11:00:00 PM
Post by: TravelingPennies on November 12, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 12, 2013, 11:00:00 PM
Post by: TravelingPennies on November 12, 2013, 11:00:00 PM
If API users, alone, are able to act on information which materially impacts the value of a note, that's a two-tiered system, as you've
already noted - and that spells trouble. Someone's already dropped a dime to cause the change; I think more than one are in a roll.
already noted - and that spells trouble. Someone's already dropped a dime to cause the change; I think more than one are in a roll.
Title: Member claims of unusual abilities with LendingClub
Post by: core on November 12, 2013, 11:00:00 PM
Post by: core on November 12, 2013, 11:00:00 PM
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 12, 2013, 11:00:00 PM
Post by: TravelingPennies on November 12, 2013, 11:00:00 PM
It's important to clarify there are in fact two APIs - the official lending club one that has to be activated, and the API exposed via the website and that can be interfaced with by anyone. My understanding is that either can be used to post processing notes.
Title: Member claims of unusual abilities with LendingClub
Post by: TravelingPennies on November 16, 2013, 11:00:00 PM
Post by: TravelingPennies on November 16, 2013, 11:00:00 PM
So I finally got around to selling some processing notes that shouldn't really be processing (LC's incompetence at handing payment plans), and I got some unusual results, where the notes show up as being sold but without names and I am unable to find my notes by browsing for them. Is my code screwing this up somehow, did they hotfix this, or what?
Edit: it was my code, nevermind. Programmers and people willing to use third party apps are still preferred customers.
[attachment deleted by admin]
Edit: it was my code, nevermind. Programmers and people willing to use third party apps are still preferred customers.
[attachment deleted by admin]
Title: Member claims of unusual abilities with LendingClub
Post by: core on November 17, 2013, 11:00:00 PM
Post by: core on November 17, 2013, 11:00:00 PM
Joleran, how did you manage to accidentally hide the loan titles like that? What kind of code are you running, a greasemonkey script or other in-browser something? Or did you actually do something which caused LC to hide the titles even when viewed with an unmolested browser in a different session?
I'm also curious how your notes showed up as having been sold but they didn't show up in the search. I mean you'd have to work extra hard to get the sold list to include something that LC didn't put there.
I'm also curious how your notes showed up as having been sold but they didn't show up in the search. I mean you'd have to work extra hard to get the sold list to include something that LC didn't put there.
Title: Member claims of unusual abilities with LendingClub
Post by: Joleran on November 17, 2013, 11:00:00 PM
Post by: Joleran on November 17, 2013, 11:00:00 PM
It's a bug in LC's software, I thought I had it figured out but I'm actually still working on it. Now I see the loans I post in the browse section, but the accrued interest and YTM are blanked out, and I still have the loan title hidden in my sales section. My code's a Java app running Jsoup for integration, so the browser never enters the equation until I view the loans.